This is the distinction as I see it:

If *I* break a leg or get sick and *I* have to stay in a place for longer than planned, then of course I expect to pay, potentially via whatever insurances I carry to cover things that happen to me.

If the *entire hotel* is locked down and I am prevented from leaving because the hotel allowed an infectious disease on site (which may or may not be their fault/negligence, but certainly isn't mine), there is a 0% chance I will pay the hotel extra.

Yes, there were posts (perhaps joking, was hard to tell) at the beginning wondering what rate the Diamond Princess passengers would be charged for their quarantine. Of course that was a ridiculous idea too, and Princess not only didn't charge extra, but refunded the entire cruise (which had been mostly complete by that point). A hotel that tried to do the same would be (rightfully) widely roasted on social media and probably in court.